US6877656B1 - Systems, methods, and apparatus for instant issuance of a credit card - Google Patents
Systems, methods, and apparatus for instant issuance of a credit card Download PDFInfo
- Publication number
- US6877656B1 US6877656B1 US09/694,791 US69479100A US6877656B1 US 6877656 B1 US6877656 B1 US 6877656B1 US 69479100 A US69479100 A US 69479100A US 6877656 B1 US6877656 B1 US 6877656B1
- Authority
- US
- United States
- Prior art keywords
- credit card
- application
- security deposit
- applicant
- instantly
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Expired - Lifetime, expires
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Classifications
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/355—Personalisation of cards for use
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/12—Card verification
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
Abstract
Description
Claims (38)
Priority Applications (5)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/694,791 US6877656B1 (en) | 2000-10-24 | 2000-10-24 | Systems, methods, and apparatus for instant issuance of a credit card |
AU2002211803A AU2002211803A1 (en) | 2000-10-24 | 2001-10-24 | Systems, methods, and apparatus for instant issuance of a credit card |
PCT/US2001/032620 WO2002035435A1 (en) | 2000-10-24 | 2001-10-24 | Systems, methods, and apparatus for instant issuance of a credit card |
US11/098,403 US7131583B2 (en) | 2000-10-24 | 2005-04-05 | Systems, methods, and apparatus for instant issuance of a credit card |
US11/583,924 US7302719B2 (en) | 2000-10-24 | 2006-10-20 | Systems, methods, and apparatus for instant issuance of a transaction card |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/694,791 US6877656B1 (en) | 2000-10-24 | 2000-10-24 | Systems, methods, and apparatus for instant issuance of a credit card |
Related Child Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/098,403 Continuation US7131583B2 (en) | 2000-10-24 | 2005-04-05 | Systems, methods, and apparatus for instant issuance of a credit card |
Publications (1)
Publication Number | Publication Date |
---|---|
US6877656B1 true US6877656B1 (en) | 2005-04-12 |
Family
ID=24790292
Family Applications (3)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US09/694,791 Expired - Lifetime US6877656B1 (en) | 2000-10-24 | 2000-10-24 | Systems, methods, and apparatus for instant issuance of a credit card |
US11/098,403 Expired - Lifetime US7131583B2 (en) | 2000-10-24 | 2005-04-05 | Systems, methods, and apparatus for instant issuance of a credit card |
US11/583,924 Expired - Lifetime US7302719B2 (en) | 2000-10-24 | 2006-10-20 | Systems, methods, and apparatus for instant issuance of a transaction card |
Family Applications After (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US11/098,403 Expired - Lifetime US7131583B2 (en) | 2000-10-24 | 2005-04-05 | Systems, methods, and apparatus for instant issuance of a credit card |
US11/583,924 Expired - Lifetime US7302719B2 (en) | 2000-10-24 | 2006-10-20 | Systems, methods, and apparatus for instant issuance of a transaction card |
Country Status (3)
Country | Link |
---|---|
US (3) | US6877656B1 (en) |
AU (1) | AU2002211803A1 (en) |
WO (1) | WO2002035435A1 (en) |
Cited By (152)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020082885A1 (en) * | 2000-12-26 | 2002-06-27 | Pittroff Fredrick L. | Systems and methods for enterprise based issuance of identification cards |
US20030065626A1 (en) * | 2001-09-28 | 2003-04-03 | Allen Karl H. | User verification for conducting health-related transactions |
US20030074290A1 (en) * | 2001-10-17 | 2003-04-17 | Capital One Financial Corporation | Methods, systems and articles of manufacture for managing delinquent financial accounts |
US20030130867A1 (en) * | 2002-01-04 | 2003-07-10 | Rohan Coelho | Consent system for accessing health information |
US20030130875A1 (en) * | 2002-01-04 | 2003-07-10 | Hawash Maher M. | Real-time prescription renewal transaction across a network |
US20050049964A1 (en) * | 2003-01-14 | 2005-03-03 | Winterer Mary Jo | Financial transaction card with automatic payment feature |
US20050103841A1 (en) * | 2003-11-14 | 2005-05-19 | First Data Corporation | Bulk card ordering system and methods |
US20050125336A1 (en) * | 2003-12-09 | 2005-06-09 | Capital One Financial Corporation | Methods and systems for offering a credit card account to a consumer at a point-of-sale location |
US20050121510A1 (en) * | 2002-05-23 | 2005-06-09 | Higgins John B. | Check cashing system |
US20050263587A1 (en) * | 2004-05-26 | 2005-12-01 | First Data Corporation | System and method for initializing financial presentation instruments |
US20060031158A1 (en) * | 2004-08-09 | 2006-02-09 | Suze Orman | Credit card with incentives tied to credit score |
US20060074767A1 (en) * | 2004-10-05 | 2006-04-06 | First Data Corporation | Selective inclusion of stored value cards in mailings |
US20070045406A1 (en) * | 2005-08-23 | 2007-03-01 | Jay Giesen | Credit Card Offer and Activation System and Method |
US20070061254A1 (en) * | 2005-09-15 | 2007-03-15 | Richard Blunck | Systems and methods for opening, funding, and managing financial accounts |
US20070061206A1 (en) * | 2005-08-15 | 2007-03-15 | Lefebvre Dale | System and method for providing rapid rebate payments |
US20070164102A1 (en) * | 2006-01-17 | 2007-07-19 | Scott Haertel | System for authorizing credit use |
US20070185795A1 (en) * | 2006-02-03 | 2007-08-09 | Bayerische Motoren Werke Aktiengesellschaft | System and method for customizing financial instruments |
US20070244816A1 (en) * | 2006-04-14 | 2007-10-18 | Mustafa Patni | Systems and methods for opening, funding, and/or using a financial account, such as a checking account |
US20070288359A1 (en) * | 2006-04-18 | 2007-12-13 | Susan Amadio | Processing of credit applications |
US20080103959A1 (en) * | 2006-10-27 | 2008-05-01 | Chason Carroll | Location Based Credit |
US7409369B1 (en) * | 2002-09-05 | 2008-08-05 | Capital One Financial Corporation | Providing a customer one or more options for increasing a line of credit |
US7505938B2 (en) * | 2002-06-20 | 2009-03-17 | Alliance Data Systems Corporation | Interactive voice response quick credit system and associated methods |
US7562048B1 (en) | 2007-02-14 | 2009-07-14 | Target Brands, Inc. | Retailer debit card system |
US20090248483A1 (en) * | 2008-03-28 | 2009-10-01 | First Data Corporation | Methods and systems for dynamically generating coupons associated with presentation instruments |
US7925578B1 (en) | 2005-08-26 | 2011-04-12 | Jpmorgan Chase Bank, N.A. | Systems and methods for performing scoring optimization |
US8126772B1 (en) | 2005-08-15 | 2012-02-28 | Dale LeFebvre | Rebate cross-sell network and systems and methods implementing the same |
US8224723B2 (en) | 2002-05-31 | 2012-07-17 | Jpmorgan Chase Bank, N.A. | Account opening system, method and computer program product |
US8260704B1 (en) | 2004-06-29 | 2012-09-04 | Citicorp Credit Services, Inc. | Methods and systems for managing consumer transactional accounts |
US8352370B1 (en) | 2011-03-28 | 2013-01-08 | Jpmorgan Chase Bank, N.A. | System and method for universal instant credit |
US20130046678A1 (en) * | 2011-08-19 | 2013-02-21 | Bank Of America Corporation | Minimum payment requirements for a revolving account |
US20130091050A1 (en) * | 2011-10-10 | 2013-04-11 | Douglas Merrill | System and method for providing credit to underserved borrowers |
US8429075B2 (en) | 2010-07-19 | 2013-04-23 | Eft Source, Inc. | System and method for instant issue of personalized financial transaction cards |
US8489497B1 (en) * | 2006-01-27 | 2013-07-16 | Jpmorgan Chase Bank, N.A. | Online interactive and partner-enhanced credit card |
US8628008B1 (en) | 2008-10-16 | 2014-01-14 | Wells Fargo Bank, N.A. | System and method for card customization |
US20140201060A1 (en) * | 2013-01-14 | 2014-07-17 | Hrb Tax Group, Inc. | Computer program, system, and method for providing a consumer with immediate access to funds via a hybridized secured line of credit |
US9720953B2 (en) | 2015-07-01 | 2017-08-01 | Zestfinance, Inc. | Systems and methods for type coercion |
US9965741B2 (en) | 2015-12-18 | 2018-05-08 | Capital One Services, Llc | Automated systems for reducing computational loads in the mass execution of analytical models using scale-out computing |
DE102017002794B3 (en) | 2017-03-22 | 2018-07-05 | Giesecke+Devrient Mobile Security Gmbh | Instant Issuance Card Making Process |
US10127240B2 (en) | 2014-10-17 | 2018-11-13 | Zestfinance, Inc. | API for implementing scoring functions |
US10284528B2 (en) | 2015-06-25 | 2019-05-07 | Entrust Datacard Corporation | Remote monitoring and management of an instant issuance system |
US10425129B1 (en) | 2019-02-27 | 2019-09-24 | Capital One Services, Llc | Techniques to reduce power consumption in near field communication systems |
US10438437B1 (en) | 2019-03-20 | 2019-10-08 | Capital One Services, Llc | Tap to copy data to clipboard via NFC |
US10467622B1 (en) | 2019-02-01 | 2019-11-05 | Capital One Services, Llc | Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms |
US10467445B1 (en) | 2019-03-28 | 2019-11-05 | Capital One Services, Llc | Devices and methods for contactless card alignment with a foldable mobile device |
US10489781B1 (en) | 2018-10-02 | 2019-11-26 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10498401B1 (en) | 2019-07-15 | 2019-12-03 | Capital One Services, Llc | System and method for guiding card positioning using phone sensors |
US10505738B1 (en) | 2018-10-02 | 2019-12-10 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
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US10511443B1 (en) | 2018-10-02 | 2019-12-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10510074B1 (en) | 2019-02-01 | 2019-12-17 | Capital One Services, Llc | One-tap payment using a contactless card |
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US11935035B2 (en) | 2021-04-20 | 2024-03-19 | Capital One Services, Llc | Techniques to utilize resource locators by a contactless card to perform a sequence of operations |
US11961089B2 (en) | 2021-04-20 | 2024-04-16 | Capital One Services, Llc | On-demand applications to extend web services |
US11902442B2 (en) | 2021-04-22 | 2024-02-13 | Capital One Services, Llc | Secure management of accounts on display devices using a contactless card |
US11354555B1 (en) | 2021-05-04 | 2022-06-07 | Capital One Services, Llc | Methods, mediums, and systems for applying a display to a transaction card |
US11974127B2 (en) | 2021-08-18 | 2024-04-30 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
Also Published As
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US20050173520A1 (en) | 2005-08-11 |
WO2002035435A1 (en) | 2002-05-02 |
US20070034689A1 (en) | 2007-02-15 |
AU2002211803A1 (en) | 2002-05-06 |
WO2002035435A8 (en) | 2003-02-20 |
US7131583B2 (en) | 2006-11-07 |
US7302719B2 (en) | 2007-12-04 |
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